Question:
Do all plans cover cancellation due to death of a parent?- GregoryS,06/25/2023
Answer:
Yes, this is covered with all Comprehensive policies offered on our website. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. Trip Cancellation reimburses 100%.
Question:
I am planning vacations for two people to Italy and Peru between September 2021 and May 2022. My impression is that most (all?) travel insurance plans cover only single trips. Are there plans that, for example, offer coverage for a full year?- HaroldK,07/13/2021
Answer:
We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 70 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip's details and once you arrive on the results page, please click on the button labeled “medical” on the bottom left and view our plans that are labeled “multi trip". Our multi-trip medical plans provide both medical and medical evacuation coverage. If you wanted trip cancellation coverage and other travel protection benefits, that has to be purchased on a per trip basis.
Question:
I am trying to get a quote for travel insurance and we are traveling to 3 countries but the choices only accepts one country. How do I list them all?- Anita,03/23/2019
Answer:
If traveling outside the United States, enter the country where travelers will be spending the most time. If spending equal time in multiple countries, choose your first international destination. If taking a cruise, enter the first international port of arrival as your destination.
Question:
I reserved and made the down payment on a Caribbean Cruise a few weeks ago, we will also spend a few days before at Disney World, we will be flying. I will not be able to make reservations for WDW and buy airline tickets until next year. What is the best way to insure this trip, one of the main reasons for considering insurance is my 11 year old (medical) in case of illness or accidents and also the high cost of the trip.- SusanneW,10/25/2018
Answer:
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. You can insure what you have paid for to date and any known costs, and once you make subsequent payments towards the trip prior to departure, you can contact us and update your existing policy accordingly.
Question:
My son is planning a trip to Europe where he will spend between 4 and 9 months traveling around. Is there a plan that ensures that he is covered for any medical emergencies that may arise during the course of his travels?- EdwardA,07/26/2018
Answer:
Yes, we have single trip medical plans that provide coverage when traveling outside of your home country. Please fill out the quote form on our home page, www.insuremytrip.com with your trip details and once you arrive on the results page, please view the plans under the medical tab. Our medical plans provide medical and medical evacuation coverage for unforeseen illnesses or injuries.
Question:
Going on a 14 day Viking river cruise from Amsterdam to Budapest in May 2018. Is there a travel insurance that cover pre existing conditions? I am going through some tests at this time and not sure how I will feel 5 months from now.- ElisabethM,11/20/2017
Answer:
Most Comprehensive Plans will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 to 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy. However, if you are currently having medical testing done at this time, this would be considered foreseen and any claims related to the outcome of the testing wouldn't be covered, even if you qualified for a waiver. You would need a policy that has Cancel for Any Reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
Question:
Can we insure a trip for only trip cancellation and interruption and baggage loss?- Regis M,11/12/2017
Answer:
Unfortunately, we do not offer a policy that only has these benefits included. Our Comprehensive policies offer these benefits but also include other benefits as well. Comprehensive travel insurance plans are the most widely known form of coverage and are often called package plans. Typically, a comprehensive plan will offer a variety of benefits for travelers, covering a wide range of concerns. Most provide coverage for trip cancellation and interruption, travel delay, baggage, 24-hour assistance and some travel medical benefits.
Question:
My son wants to visit a friend in Japan over Christmas. We want to purchase his tickets but we are concerned due to rising tensions with North Korea. Is it possible to purchase insurance to get our money back if we decide it is not safe for him to go?- Kelli,06/29/2017
Answer:
For this particular concern, we would recommend Cancel for Any Reason, as this benefit allows you to cancel for any reason whatsoever as long as you qualify for this benefit. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
Question:
We purchased our plane tickets to France in February to visit our daughter in France during August leaving one extra week at the end for extra travel in Europe. Four months later we decided on a nonrefundable guided bicycle trip in the Netherlands. Is there any way that we can purchase insurance for this tour and the airfare from France to the Netherlands and back to France, but not include our airfare from the US?- TAMARA,06/17/2017
Answer:
You can insure all prepaid non-refundable travel arrangements except the cost of your own time share or the cost to obtain a visa or passport. You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-30 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. If you do not insure 100% of your trip cost, you may not be eligible for certain time sensitive benefits.
Question:
I've purchased insurance through you before for group tor packages. I'm thinking of a northwest trip..some days will be in Vancouver canada. I have medicare insurance and a supplemental plan but don't think either covers non USA . Can i purchase medical insurance for the few days i'm out of the country?- DONNAC,05/06/2017
Answer:
Yes. Please fill out the quote form with your trip details and once you arrive on the results page, please view the plans under the medical tab. Our single trip medical plans provide both medical and medical evacuation coverage when traveling outside of your home country.
Question:
We are holding reservations for hotels at Yellowstone for June 2018 due to them booking up so quickly. We won't book a flight for at least another couple of months. How do I get the flight insured if I don't have the cost until 2 or 3 months from now?- HenryM,05/04/2017
Answer:
You can insure what you have paid for to date and once you make subsequent payments or purchases towards your trip, you can contact us via email or telephone and request to update your existing policy accordingly.
Question:
Airfare was purchased to France in 2016 and is good for a year but hotels cost was purchased in Feb and March of 2017. The trip is scheduled for June 17 thru June 25, 2017. And the hotel has been prepaid and is non-refundable. Is there a coverage that would refund the hotel cost that has been paid?- LindaW,05/02/2017
Answer:
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-30 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. If you have to cancel for a covered reason listed in the policy certificate, you are reimbursed 100%. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.
Question:
Is there insurance that covers an all inclusive trip with airfare and hotels for any reason?- PatriciaS,03/15/2017
Answer:
Yes, you would want to view our comprehensive plans and some of these plans offer a benefit called Cancel for Any Reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
Question:
My husband and I are traveling to Hawaii to meet our daughter's ship returning from deployment. Is there a specific military insurance we can purchase? In case their MEU has to turn around and go back for whatever situation that may arise.- SherriA,03/15/2017
Answer:
Unfortunately, we do not offer any military insurance. For this type of concern, you would need a policy that includes Cancel for Any Reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
Question:
We are planning to travel to Barcelona, Spain in May. There is a potential issue now with my husband's health which may prevent us from making the trip. Can I buy flight insurance after we have booked our flights in case we have to cancel?- Barbara,03/11/2017
Answer:
You would need a policy that includes Cancel For Any Reason as this would be considered foreseen at this time. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
Question:
I want to fly from Seattle to Brisbane the end of April on Alaska using miles for 8 - 9 days.. The total roundtrip cost would be about 85,000 miles and $137.06. My wife has had Multiple Myeloma for 4 years and is doing well and stable on chemotherapy. Would I be able to insure this trip for miles and $137 dollars if her condition suddenly deteriorated which would be unexpected. Thanks.- ArthurD,02/22/2017
Answer:
Unfortunately, this would be considered foreseen and wouldn't be covered with Trip Cancellation. You would need Cancel for Any Reason for this particular concern. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted. You would only be able to insure the prepaid non-refundable taxes and fees you paid to redeem the miles, not the actual value of the tickets, please keep in mind.
Question:
We are planning three trips for 2017 with total cost for 2 of us ranging from $7,000 to $20,000 each trip. We are definitely interested in the emergency medical coverage. Is there one policy that will cover all three trips, rather than buying separate insurance policy for each trip and save me some money?- Eric,12/29/2016
Answer:
We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 90 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip's details and once you arrive on the results page, please view the plans under the "Medical" tab that are labeled "multi-trip". Our multi-trip medical plans provide both medical and medical evacuation coverage.
Question:
Do insurance policies allow you to insure only a portion of non refundable expenses, such as a cruise but not a hotel or airplane forfeited cost?- Ed,11/07/2016
Answer:
Yes, you can insure just a portion of the non-refundable expenses if you like, however, you will not be eligible for time sensitive benefits such as the "Pre-Existing Conditions Waiver" or the "Cancel for Any Reason" benefit. Most of the time sensitive benefits require you to insure 100% of all prepaid non-refundable costs in order to qualify for them.